Real Estate Investing in Stewartville, Minnesota (55976)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 55976 (Stewartville, MN)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High price-to-rent: Price-to-rent ratio 26.1 — hard to cash-flow at these prices.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Stewartville, MN (55976)?
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Market Analysis: 55976 Stewartville
Not every below-median market is a bargain. Stewartville's 55976 ZIP reports signals that favor experienced operators who can absorb the risk $340K pricing implies.
The investment case in 55976 is sturdy only for operators who understand what they are buying. A $340K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
In the broader MN picture, 55976 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
A substantial renter share of 19% in 55976 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
Distressed ZIPs reward experience. durable returns are possible in 55976, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Stewartville:
Property Strategy for 55976
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $274,226 | $1,210 | 3.2% | +5.3% | $137,113 |
| 3BR | $292,565 | $1,700 | 4.2% | +4.9% | $97,522 |
| 4BR | $350,647 | $2,030 | 4.2% | +5.1% | $87,662 |
| 5BR | $443,815 | — | — | +4.7% | $88,763 |
Market Trends
Home Value History (with trend line)
📊 How Does 55976 Compare?
| Metric | 55976 | Stewartville | Rochester, MN | Minnesota |
|---|---|---|---|---|
| Home Value | $340,383 | $340,383 | N/A | $340,597 |
| 5-Year CAGR | 4.0% | 4.0% | N/A | 4.9% |
| Avg Rent | $1,089 | $1,089 | N/A | - |
| Cap Rate | 2.5% | 2.5% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 55976 (Stewartville, MN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $340,383 |
| Monthly Rent | $1,089 |
| Price-to-Rent | 26.1:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.8% |
| Cap Rate | 2.5% |
| 5-Year IRR | 6.5% |
📈 Home Appreciation
| 1-Year | +6.2% ▲ |
| 3-Year CAGR | +3.3% ▲ |
| 5-Year CAGR | +4.0% ▲ |
| 10-Year CAGR | +5.8% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.5%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 55976
Population: 8,542
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 55976
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Investor Insight: With 1,809 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Is Stewartville, MN a good place for real estate investing?
Stewartville, MN rates 3.0/5 for investability. With median values at $340K and rents near $1,089/mo, the market offers reasonable fundamentals for rental investors.
Are tenants stable in Stewartville, MN?
The renter base in Stewartville, MN is reasonable for the $1,089/mo price point. Screening well and pricing to market typically yields reliable tenants.
Where do rents currently stand in Stewartville, MN?
Stewartville, MN rentals go for roughly $1,089/mo a month. That puts gross yield in solid territory relative to $340K acquisition costs.
Does a duplex house hack pencil in Stewartville, MN?
Stewartville, MN is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $340K price point reasonable to enter.
What kind of vacancy should I budget for in Stewartville, MN?
Stewartville, MN carries elevated vacancy risk. Expect measured absorption at market rents of $1,089/mo.
You know 55976 now. You don’t know where it ranks.
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How 55976 ranks in Rochester, MN
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